Insights
Market news, explained.
What is moving interest rates, markets and the rules on your money, and what it could mean for you, from the Towemer team. Updated every few days.
- Rates and economy
The Reserve Bank lifts the cash rate to 4.85 per cent in a split vote
The Reserve Bank raised the cash rate to 4.85 per cent on 3 November 2026, its fifth rise this year. We look at its reasons, its new forecasts and what it means for savers.
Read → - Cash and deposits
Term deposit rates reach 5.60 per cent before the Reserve Bank's decision
The highest advertised 12 month term deposit rates reached 5.60 per cent in late October, as markets priced a rise in the cash rate on 3 November.
Read → - Rates and economy
Inflation rises to 4.3 per cent ahead of the Reserve Bank's November decision
Prices rose 4.3 per cent in the year to September 2026, and underlying inflation rose faster than the Reserve Bank forecast in August. We look at the figures and what comes next.
Read → - Bonds
Why long term bond yields are high, and what the Reserve Bank says about it
Ten year Australian Government bond yields have been above 5 per cent this spring. The Reserve Bank's Deputy Governor has explained what lies behind the rise.
Read → - Rates and economy
The Reserve Bank's Deputy Governor says the inflation outlook has worsened
On 21 October 2026 the RBA Deputy Governor said inflation looks materially worse than the Bank forecast in August. Markets now see a November rise as about even odds.
Read → - Rates and economy
Unemployment holds at 4.7 per cent as jobs fall in September
Employment fell by 39,300 in September and the unemployment rate stayed at 4.7 per cent. We look at the figures and how markets changed their view of rates.
Read → - Rates and economy
The Reserve Bank's minutes explain the September rate rise
Minutes released on 13 October 2026 show why the Reserve Bank lifted the cash rate to 4.60 per cent, what it weighed against it, and what it is watching next.
Read → - Rates and economy
The Reserve Bank's half-yearly check finds the financial system resilient
The Reserve Bank's October Financial Stability Review finds households and banks in solid shape, with the main risks now coming from overseas.
Read → - Super and retirement
Deeming rates rise again: what it means for the Age Pension
Deeming rates rose to 1.75 and 3.75 per cent on 20 September 2026, the third rise in a year. We explain how deeming works and who may notice it.
Read → - Rates and economy
The Reserve Bank lifts the cash rate to 4.60 per cent
The Reserve Bank raised the cash rate to 4.60 per cent on 29 September 2026. We look at what it means for savers and borrowers and what comes next.
Read → - Cash and deposits
Term deposits after four rate rises: how to choose a term
Term deposit rates have risen with the cash rate this year. This guide explains how rates differ by term and how to match a term to when you need the money.
Read → - Shares and markets
Oil prices, the Middle East and your portfolio
How this year's oil price shock has reached petrol prices, inflation, interest rates and markets, and how a spread of investments can help absorb it.
Read → - Rates and economy
Inflation rises to 4.0 per cent: where the pressure is coming from
Annual inflation rose to 4.0 per cent in August, led by fuel and electricity, while underlying inflation held steady at 3.6 per cent.
Read → - Bonds
What rising interest rates mean for bonds
Australian Government bond yields have risen through 2026. That lowers the price of existing bonds and lifts the rates on offer for new money.
Read → - Super and retirement
The new tax on super balances above $3 million, explained
Division 296 became law in March 2026. From 1 July 2026 it adds tax on part of the super earnings of people with balances above $3 million.
Read → - Shares and markets
New listings on the ASX in 2026: what has changed
The ASX recorded 100 new listings in 2025-26, the most since 2021-22. Here is what has changed and what to check before applying for a float.
Read → - Shares and markets
What the August reporting season told investors
Profits and dividends rose in the August 2026 reporting season, led by resources, while company outlooks turned more cautious.
Read → - Bonds
Bank capital notes are being phased out: what holders should know
Banks are repaying capital notes as APRA phases them out by 2032. Here is how a call works and how the main options for the cash compare.
Read → - Super and retirement
Payday super: what has changed for employees
Since 1 July 2026, employers must pay super each payday. Here is what has changed, why, and how to check your contributions are arriving.
Read → - Cash and deposits
How the Government guarantee on bank deposits works
The Financial Claims Scheme protects up to $250,000 per account holder at each bank, building society or credit union. Here is what it covers and how the limit is counted.
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Talk to an adviser.
If something here bears on your own money, your adviser can take you through what it means for you. There is no obligation.